Call reports 2003
COBIZ BANK — 2003
What COBIZ BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,150,881,000 | 1,207,628,000 | 1,290,396,000 | 1,365,230,000 |
| Total loans | 817,669,000 | 851,671,000 | 888,255,000 | 943,615,000 |
| Allowance for loan losses | 10,786,000 | 11,325,000 | 11,601,000 | 12,403,000 |
| Securities available for sale | 278,411,000 | 284,983,000 | 339,056,000 | 357,253,000 |
| Securities held to maturity | 3,008,000 | 2,933,000 | 2,787,000 | 2,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 893,549,000 | 943,345,000 | 965,099,000 | 970,421,000 |
| Interest-bearing deposits | 629,695,000 | 652,539,000 | 660,052,000 | 661,346,000 |
| Noninterest-bearing deposits | 263,854,000 | 290,806,000 | 305,047,000 | 309,075,000 |
| Equity capital | 88,047,000 | 90,327,000 | 99,697,000 | 103,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 15,813,000 | 31,919,000 | 48,388,000 | 65,502,000 |
| Interest expense | 3,477,000 | 6,742,000 | 9,824,000 | 12,872,000 |
| Net interest income | 12,336,000 | 25,177,000 | 38,564,000 | 52,630,000 |
| Noninterest income | 1,094,000 | 2,156,000 | 3,303,000 | 4,545,000 |
| Noninterest expense | 7,651,000 | 15,364,000 | 22,933,000 | 31,189,000 |
| Provision for loan losses | 418,000 | 1,070,000 | 1,640,000 | 2,760,000 |
| Pretax income | 5,361,000 | 10,899,000 | 17,294,000 | 23,226,000 |
| Income tax | 1,987,000 | 4,032,000 | 6,385,000 | 8,590,000 |
| Net income | 3,374,000 | 6,867,000 | 10,909,000 | 14,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,297,000 | 82,807,000 | 96,866,000 | 100,609,000 |
| Total capital | 93,083,000 | 94,132,000 | 108,467,000 | 113,012,000 |
| Risk-weighted assets | 895,118,000 | 925,549,000 | 955,316,000 | 1,018,912,000 |